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  1. If you patiently waited 4 years they would break out the streamers and kazoos!!
  2. Yes call today. You were right. I called, and I am glad I did. They were about to shred my app. She said I can deny you or approve you today. I said great! She immediately asked what job I did, I said I ran a glass shop. Asked for how long, 3 years. Asked income. Then, she said my oldest card was 14 months, and before this nothing since 2003 (old paid off student loan I guess).. anyway, she wanted to know why the gap. I said I never had a need for credit until my son was born 2 years ago, now I want a mortgage. She told me they didnt like that I have no true history. I said I understood and if she needed to deny me I fully understand... But listen, my parents each have the Red Aviator card they use for all purchases, and my father told me Barclan is who I need to be dealing with... Kept rambling.. I said I dont think the travel card is right for me, but the Ring is perfect seeing as how I am establishing responsible credit and will enjoy the exclusive credit chat community this card offers... She is like riiiiiight, "mmhmm yes".. and I rambled on.. I feel as if this tradeline will be a perfect way to start a long relationship between me and Barclans. She pauses for suspense and says "I am extending you an offer today for a $1,500 line, is this something you may want?". I said this sounds perfect! Dont want to be snobby seeing as how the AMEX computer gave me $10,500, and BBVA's gave me $10,000.. Barclans seems a bit picky, and I have 3 cards opened within 6 months, 6 within 14 months. Ol Citi wont budge from $600, and Crapone wont budge from $500... So.. I feel lucky. BigPoppa09 - Thank you for the heads up.
  3. No, I sure didnt. Should I not wait and call today? It would only be a verification or a denial right?
  4. This thread is so right on. I have no clue why anyone would pitch for MF.. I joined CB because it is still the best, and I am in no way a forum guy. Been kicked off more automotive forums that I can count, everyone is an expert and hate being told what time it is.. luckily I am not an expert in credit. Love this forum. F the MF in the A, all they do is egg on whatever the OP wants deep down.. if that makes sense. Seems like a conflict of interest as well...
  5. The wife does not get the thrill.. I do. Today I got the itch.. apped for the Barclan Ring - 775 TU.. 7-10 day. Hmm.. Instant approved on the "BBVA Rewards" card the new one.. pre-authorized mail twice so I did it. 10,000.. 769 Experian, no loans, no mortgage, 14 month history. Highest card before was 10k walmart store card, followed by wells fargo cash why at 4500.. expected 2,000.. happy. Was high enough on this to make a move on.. AMEX Cash Magnet.. instant approval for 10,500. Experian got worn out today. 4 inq on exp now.. The wife couldnt care less haha..
  6. I applied for this lil guy today.. instant for 10,500. Dont know why.. just had a hunch and put my booger hook on the trigger.. worked out. Oldest card 14 mo, no baddies.. biggest limit is walmart store card for 10,000.. no loans.. no nothing reallh.. im laughing still.. experian only hit and was at 769. Hilarious!
  7. https://youtu.be/t3jKtjgRZQY <- EXPLICIT LYRICS - FOR SOME.. Just dont have the kids around, please. If you even click it... (from a parent..) ^^^ That was me, I guess I never really cared, figured I would die by 30. Never thought Id see 31, of course I did annnnd of course I did not want to die... Started out with the standard Cap1 $300 jobber fresh out of high school.. had no advice from the ol' bonafied, 850 FICO, 3 Bureau, Legit, Daddy. Maxxed out, cut, paid, Maxxed out, cut, paid, Maxxed out, cut, paid... then Maxxed out, not paid. F it. OOOPSY Saw no need for credit after that, (still no talk from daddy at 20) I never thought it was a thing... I got a good job making $78,000 a year traveling, (back in 2002 when that was cool) doing AutoCAD-surveying properties, mega hours... swiped the ol company card all over the country, probably $10k a month (they gave me the option to swipe my own card and pay me weekly for it).. didnt give a rats... "Living the dream"... lost job after 6 years of course in 2008... had a sub prime Sierra truck of course... lost lost lost it to repo driver.. was a sad salamander.. Told myself I didnt care.... OF COURSE. Lost all faith in credit, screw it. Got more high paying, mega hour jobs with company swipe cards - swipe swipe swipe, who needs credit.. BIGGEST salamander ON CB. Medical came up, 1000 here 1000 there.. its easy to do when you dont have healthcare.. all charged off of course... no solutions... hating life... .......HAD THE MONEY SHOULD HAVE PAID THOSE PEOPLE! ------------------------------------------------------- Well 7 years passed.. had already settled down.. found a "girl" 3 years earlier and she was just as messed up as me... Maybe more. Wacky as it gets really, the Medusa type. (Married to her now) -------------------------------------------------------- 03/16.... All of our blemishes had long fell off... figured Id try to make a move since we had a baby finally... better do something for him, right?.. better at least get him a house some day... Bought the lil guy 80 oz pure silver that day... worst part, he does not even care yet... 05/16 - TU FICO 515 - Appd Cap1.. Secured 49 for a 200, standard Cap1 CLI in 5 months to 500.. dead card. BUT FICO CAME UP! 08/16 - TU FICO 585ish - Waited 3 months, appd Wells Fargo Cash Wise, seeing as how they solicited me. 4500 instant approval! Had $13000+ sitting in checking... maybe helped. I dont know. Never questioned it, never CLI, left it the heck alone. Still to this day havent messed with them about it. That is my PRY BAR! (till I get a new one) 11/16 - CHRISTMAS! - FICO 603 - Walmart Store Card, cold appd got it.. 200. Was PO'd. How dare they when I have a 4500 pry bar, whaat tha... WHAT IN THE.. CLI button, CLI button, CLI button,Called CLI, nope,Called CLI, nope. They have no control they say in indian.. of course. CLI- nope to INFINITY....... Stuck. Maxxed that card then paid, 3 times a month, repeat... (we shop there), (and gas there). Screw em I said, wife said "omg leave it alone!!!!" - 4 months passed, CLI for 10k, came back with 6k.. ok fine whatever. Utilize 200 a month now..DONT NEED IT. WHO CARES?! I do not need any of this, I need a mortgage! The wife is all over this one like a spider.... I like Wells Fargo.. They need me lol THEY ARE MESSED UP. I am, we, are holding at least 30K in my checking at wells... still havent CLI.. they are sooooooooooo messed up dont wanna try it. 05/17 - TU FICO 675ish - Citi Bank started sending me CRAZY snail mail about their double cash.. twice a week.. it was crazy.. they hooked me.. so I applied.. jerks gave me 600 instantly. I was PO'd again and called them. After a few questions about income they said 6000... 06/17 - TU FICO 719 - Now waiting, or gardening as some forums say. No installment loan, no mortgage... waiting.. waiting... Going to mortgage in 2019. Going to CLI SP ALL before then hopefully. I would like to think it doesnt matter...not that it matters... it matters. I, we, have weak cards with loser limits. I want some of that 20K, 50K action... gonna have to wait 10 years.... The wife still needs some cards.. she is authorized on mine... I dont know.. need a house for the baby, renting is... yea.. USDA, HUD, FHA... YAWWWWWWWWWWWN. I am still an salamander, I am just doing the motions for the man.. if anyone has any input please feel free... I have elephant skin I promise.
  8. Nice to see a well planned spread like this. Kudos.. FICOmmie WACKIN!
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